Zillow Mortgage Rates API - Rate, APR and Loan Assumptions

Request an indicative mortgage rate using state, program, loan_type and credit_score. The documented defaults are US, fixed_30, conventional and very_high. state accepts a two-letter US state code or US; alternative program and bracket values were not enumerated or verified in the saved evidence. The verified default-parameter request returned success:true and numeric data.rate and data.apr, with program, loan_type, credit_score, state, loan_amount_bucket and loan_to_value_bucket echo/context fields, plus meta. Store these assumptions with the numeric values when comparing observations. The response contained no rate observation date: retrieval time does not establish that a rate is today’s or the freshest available. Treat the output as indicative research, not a personalized offer, rate lock or credit approval.

API Features

Rate and APR returned separately The verified response supplied numeric rate and apr fields; preserve both instead of treating them as interchangeable.

Four documented financing selectors Use state, program, loan_type and credit_score to record the requested context, including the verified default combination.

Loan-bucket response context Retain loan_amount_bucket and loan_to_value_bucket alongside the selected program when storing an indicative rate.

Undated-rate freshness limit The saved rate response had no observation date, so record retrieval time separately and do not label it as a verified current-market quote.

Live API Demo

GET /api/project/zillow-real-estate/get-mortgage-rates

API Response (JSON)

{}

curl -X GET 'https://api.opendata-api.com/api/project/zillow-real-estate/get-mortgage-rates?key=<API_KEY>&state=US&program=fixed_30&loan_type=conventional&credit_score=very_high'

curl -X GET 'https://api.opendata-api.com/api/project/zillow-real-estate/get-mortgage-rates?key=<API_KEY>&state=US&program=fixed_30&loan_type=conventional&credit_score=very_high'

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Use Cases

Indicative financing comparison: display rate and APR with the exact program, state and credit assumptions that produced them.
Affordability scenario input: capture an available rate observation for a separately documented application-side calculation.
Rate retrieval audit: store retrieval time while leaving the absent market-observation time explicitly unknown.
Financing assumption reconciliation: compare returned loan buckets and program context before combining rate records from different requests.

Frequently asked questions

What mortgage-rate combination was verified?

The saved request used state:US, program:fixed_30, loan_type:conventional and credit_score:very_high. It returned numeric rate and APR plus the corresponding assumption fields.

Can I call the result today’s latest mortgage rate?

No. The observed response did not include a rate observation date. A retrieval timestamp records when you fetched it, not when the market rate was observed.

Is the returned APR a personalized lending offer?

No. The endpoint supplies indicative values and context, not a rate lock, approval or guaranteed borrower-specific terms. Confirm offers directly with a lender.

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Get Indicative Mortgage Rate and APR Assumptions